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Did you know that some state governments look at the reading levels of 3rd graders to plan prison capacities in the future?

By teaming up with The Carnegie Center for Literacy & Learning, we can help close the achievement gap that exists with children in our community. It starts with learning to read well.

Carnegie helps struggling children learn to read better. They have two reading specialists on staff, both educators, that assist with children in our community who fall behind in learning to read. The Carnegie after school tutoring program offers tutoring sessions to disadvantaged students with a one-time fee of $5 to enroll in the programs. Without resources available to help them read, they will fall behind in school, and their life opportunities will change forever.

The coronavirus pandemic has led to many events being postponed or canceled all around the world. In many cases, this is considered bad news for all involved. Workplaces deemed nonessential have been closed for nearly two months waiting on this period of life to pass. Fortunately, our office’s mission is still to help our clients and to be available as much as possible during this time.

To our current clients and to those seeking our services for short-term and long-term disability claims and appeals, it is important to note that we are still here to help you every step of the way. Because of the National Emergency we are all enduring, current deadlines to file claims and to submit appeal letters following the denial of a claim under ERISA have been tolled until the pandemic is resolved. According to the Employee Benefits Security Administration (EBSA), Department of Labor:

All group health plans, disability and other employee welfare benefit plans, and employee benefit plans subject to ERISA or the Code must disregard the period from March 1, 2020 until sixty (60) days after the announced end of the National Emergency or such date announced by the Agencies in a future notification (the “Outbreak Period”) for all plan participants, beneficiaries, qualified beneficiaries, or claimants wherever located in determining the…time for making a claim for benefits or appealing the denial of a claim for benefits.

This means that if your appeal deadline falls within the time frame listed, you have an additional sixty days to file initial claims and to submit appeal letters following the denial of a claim from the date of the lifting of the National Emergency.

insurance-company-reverses-denial-of-ltd-benefits

Attorney Bartley Hagerman successfully got a client’s Long-Term Disability benefits reinstated with The Hartford. Before reaching out to our office, the client had been denied long-term disability benefits from his insurance company. Attorney Hagerman’s appeal succeeded, resulting in The Hartford reversing their denial and putting our client back on claim to receive monthly benefits.

At Mehr, Fairbanks & Peterson, we strive to help all of our clients in various types of cases. For long-term and short-term disability cases, we are here to help you before, during, and if needed, after the appeal process to help you get all of the benefits that you are entitled to. We are dedicated to helping you against all of the major insurance companies. For a full list of insurance companies we have worked with, click here.

If you or someone you know has been wrongfully denied benefits for long-term or short-term disability benefits, don’t wait. Contact us today to see what we can do to help you with all of your needs. Click here for a free case evaluation or call us now at (800) 249-3731.

business-interruption-claims-for-covid-19

Does your business interruption insurance cover losses from the coronavirus, also known as COVID-19?

Whether your claim is covered or not is likely dependent on the type of policy and the specific language in it. If you have a business that has been affected by closures, check your business owners policies to see what losses may be covered. While some policies don’t cover losses caused by viruses or bacteria, your particular policy could have coverage for overhead expenses and income loss. It’s also possible you have a coverage extension or endorsement that covers losses from communicable diseases, viruses, or actions taken by the government or civil authority.

If your business interruption claim has been denied or have questions about your coverage, contact an experienced insurance lawyer at Mehr, Fairbanks & Peterson at (800) 249-3731 for a free consultation, or click here to submit a request online to speak with an attorney.

covid-19-update-on-office-operations
Effective immediately, due to COVID-19 and government recommendations, our office will be closed to the public until further notice, unless you have confirmed a time to meet with someone in our office directly. However, we will continue to provide the highest level of legal services to our current clients and potential clients.


If you have a meeting scheduled with one of our attorneys in the next few weeks, we will likely contact you about rescheduling.

If you are seeking legal assistance or consultation, please contact us via phone at 800-249-3731, or contact one of our attorneys or staff directly via email at:

the-secrets-of-health-insurance-companies
Health insurance companies are supposed to protect their policyholders by providing financial protection and reimbursement against losses. They collect premiums from their clients over a period of time to pay for future losses. When a person buys an insurance policy, they are entering into a contract. This contract is expected to be upheld and followed even when unexpected accidents and expenses occur. There are laws set in place to help and protect policyholders from health insurance companies when they wrongfully deny coverage to their insured. Read on to find out how you can identify the signs of wrongful treatment and how to protect yourself.

What Should Health Insurance Companies Cover

This list does not include all the possible items and instances of coverage. To see a full list of items that should be covered by your insurance company, take a further look into the details of your health insurance policy. The list below includes major services that should be covered under basic policies:

what-to-do-when-a-tornado-strikes

As spring approaches, it is important that homeowners know their options should a catastrophic storm damage their home and property. We are only roughly three months into the year, and tornadoes have already caused significant damage nearby. Nashville, Tennessee was just struck by an EF3 strength tornado outbreak between March 2 and March 3. During these tornadoes, parts of Kentucky were affected as well.

When you think of a major storm, a tornado may not be the first type of damage that comes to mind. After all, hurricanes and earthquakes typically have much longer lasting effects, but tornadoes cause just as many problems as any other type of storm. Tornadoes typically accompany strong winds, flooding and lightning—all of which bring their own type of damage along as well.

Tornadoes are measured using the Fujita scale with F5 being the most intense level of damage with winds ranging from high 200s to 300s, F4 with wind speeds of low to mid 200s, F3 with wind speeds ranging from mid 100s to low 200s, F2 tornadoes have strong wind speeds of low to mid 100s, F1 tornadoes have moderate wind speeds of 70s to low 100s and F0 tornadoes are usually below 75 miles per hour. No matter the level of intensity of tornadoes, all of them impact their victims significantly. Even an F0 tornado can cause significant damage to your home.

can-homeowners-insurance-company-deny-my-claim
When a homeowners insurance company wrongfully denies or unreasonably delays payment of a valid homeowners insurance claim, it is called acting in “bad faith.” Your homeowners insurance policy is a contract between you and the insurance company. That contract creates a special relationship between you and your homeowners insurance company that requires them to act in good faith in their dealings with you. When they play games with your valid homeowners insurance property damage claim, they are acting in bad faith.

If your homeowners insurance company has recently denied your homeowners insurance claim or cancelled your policy, below are some answers as to why and how our homeowners insurance lawyers can help.

  1. What is covered by a homeowner’s policy? What is and is not covered by a homeowner’s policy depends on the terms of the policy itself. Generally, the policy will cover certain “perils” such as fire or storm damage and will pay for the “losses” associated with those perils, such as the cost of making repairs. Most policies cover the actual cost of the repairs unless the home is a total loss (the cost of repairs exceeds the value of the home). Some policies provide for payment on an “actual cash value” basis unless and until the repairs are actually made, at which time the policy provides for “replacement cost.”
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